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The Hilltop Companies


A Hilltop View of the CFPB’s TILA/RESPA Regulatory Changes

A Hilltop View of the CFPB’s TILA/RESPA Regulatory Changes. By Steven McGurl, Managing Director The CFPB issued its final rule amending Regulation Z (Truth in Lending Act) and Regulation X (Real Estate Settlement Procedures Act) to integrate these mortgage loan disclosures and make su
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FHFA New Net Worth Rules

Hilltop’s View on the FHFA Financial Requirements Changes for GSE Servicers   Nigel Brazier and Stephen M. McGurl   The Federal Housing Finance Agency (FHFA) announced that the proposed requirements set forth this past January regarding new minimum financial eligibility requ
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Did you Know HMDA Data goes public in less than 2 months? by Steve McGurl

In Mid-September all HMDA data will be made public by the Regulators. Will you be prepared to tell your story… we can help you interpret what the data is saying about your institution. In 2011 alone, there were almost 70 institutions fined a total of $560,000. Since 2011, the pace of
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Critical Servicer Income and Expense Recovery Areas

Hilltop has been engaged in the loan servicing arena to help recover servicing fees (regular or incentive fees), compensatory fees, and advances/expenses that were missed in the modification effort, claim process or investor reimbursement requests.   Unfortunately, significant volume
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Welcoming View

Welcome to Hilltop Views and thank you for taking a few minutes from your day to read the first post to our Company’s blog. The Hilltop Companies’ leadership team will use this space to share our insights on events and changes in the financial services industry, the implications to in
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“New Challenges for Loss Mitigation and the Allowance for Loan Losses”

Loan Modifications and Troubled Debt Restructuring – A New Set of Challenges with the Allowance for Loan and Lease Losses (ALLL) by Geoffrey A Oliver, CPA, CMB While we are in a credit cycle that is challenging the financial services industry in a number of new and unique ways, questi
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“Rewriting the Loan Servicing Business”

Changing the Playing Field for Loan Servicing, Loss Mitigation and Default Administration by: Geoffrey A Oliver, CPA, CMB The loan servicing business is undergoing major scrutiny with operating, profitability including a “run-away” cost to service and regulatory compliance
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Additional Articles

To follow is a listing of articles and presentations written by Geoffrey A. Oliver and the other partners of The Hilltop Companies. If you would like a copy of any of these documents, please us at info@thehilltopcompanies.com. Automated Underwriting Tools – Are they still useful
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